Texas home insurance · County data

Red River County

The average Red River County homeowner paid $2,979 for insurance in 2025, $1,326 more a year than in 2019.

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$2,979 Average yearly home insurance premium in Red River County, 2025. +12.2% from 2024.
Texas has 254 counties Red River County1,811 policies · 63 companies · 2025 Average home premium per year $0$1,000$2,000$3,000$4,0002019202020212022202320242025$1,653$1,689$1,759$1,934$2,290$2,655$2,979Red River CountyTexas county median Paid claims per policy, per year $0$2,000$4,000$6,000$8,0002019202020212022202320242025$397$950$679$989$3,466$3,108$1,067About 4× a typical year2023: $3,466 per policy All 254 counties, by 2025 average premium
The county

Here’s Red River County

Texas has 254 counties. This is one of them: 1,811 home insurance policies were counted here in 2025, written by 63 companies.

The price

What homeowners pay

The average yearly premium rose from $1,653 in 2019 to $2,979 in 2025, a change of +80.2%.

The dashed line is the median Texas county: $3,247 in 2025. Red River County is $268 below it.

The claims

Why it went up

Insurers set prices partly on the claims they expect to pay. In 2023, paid claims reached $3,466 per policy here, about 4 times a typical year.

This page shows both numbers side by side. It does not show that one caused the other.

The ranking

Where it ranks

Of 254 Texas counties, Red River County ranks 71st from the lowest 2025 average premium.

Each dot is a county. Hollow dots have fewer than 100 policies, so their averages are less reliable. Hover or tap a dot to see which county it is.

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The dataThe full numbers

Home premiums

Average home premium, 2025
$2,979
per year, policies with wind coverage
Change vs 2024
+12.2%
from $2,655; trend shows each year’s change
Change since 2019
+80.2%
from $1,653
Texas county median, 2025
$3,247
$268 lower here; trend shows the gap by year. A typical county, not weighted by size
Rank among Texas counties
71 of 254
1 = lowest average premium
YearAverage premiumChange vs prior yearTexas county medianRank (1 = lowest)
2019$1,653—$1,91346 of 254
2020$1,689+2.2%$1,91556 of 254
2021$1,759+4.1%$2,03049 of 254
2022$1,934+9.9%$2,22549 of 254
2023$2,290+18.4%$2,59949 of 254
2024$2,655+15.9%$3,01449 of 254
2025$2,979+12.2%$3,24771 of 254

Averages include every policy TDI counted, so what any one household pays can be very different.

Claims

Total paid losses, 2025$1,933,979paid on home claims in the county
Paid losses per policy, 2025
$1,067
total paid divided by policies

Where the 2025 money went

Wind$594,521 31%
Water$348,359 18%
Fire$825,176 43%
Other$165,923 9%
YearTotal paidPer policyWindWaterFireOther
2019$667,474$397$217,313$125,810$305,758$18,593
2020$1,606,269$950$726,179$114,851$726,610$38,629
2021$1,160,035$679$427,033$308,831$424,623-$452
2022$1,695,934$989$913,056$237,913$454,350$90,615
2023$6,152,658$3,466$5,578,628$301,419$212,318$60,293
2024$5,528,747$3,108$3,543,278$183,734$1,691,706$110,029
2025$1,933,979$1,067$594,521$348,359$825,176$165,923

Claims can swing sharply from year to year when severe weather hits. Some loss types include corrections that can show as negative amounts.

Market

Companies writing home policies, 202563
Average coverage amount, 2025$253,000
Policies counted, 20251,811
YearCompaniesAverage coveragePolicies
201972$159,0001,682
202076$165,0001,690
202170$178,0001,707
202270$198,0001,714
202365$213,0001,775
202466$226,0001,823
202563$253,0001,811

Auto filings

These are statewide rate changes that companies asked the Texas Department of Insurance to approve over the last 12 months (Nov 6, 2025 to Nov 6, 2026), newest first. They are requested changes on average across Texas, not prices for Red River County. Filings that reported no percent change, and motorcycle and RV filings, are not shown. Listed here: 482.

CompanyRequested changeEffectiveStatus
FOREMOST COUNTY MUTUAL INSURANCE COMPANY−3.3%Oct 16, 2026Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY0.0%Oct 19, 2026Pending
REDPOINT COUNTY MUTUAL INSURANCE COMPANY+6.6%Oct 15, 2026Pending
GEICO TEXAS COUNTY MUTUAL INSURANCE COMPANY+5.0%Oct 14, 2026Pending
STATE FARM COUNTY MUTUAL INSURANCE COMPANY OF TEXAS+2.1%Dec 4, 2026Pending
STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY−3.9%Dec 4, 2026Pending
CONSUMERS COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 11, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 8, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Oct 8, 2026Pending
KIN INTERINSURANCE NEXUS EXCHANGE0.0%Oct 14, 2026Pending
REDPOINT COUNTY MUTUAL INSURANCE COMPANY0.0%Jan 1, 2027Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY−2.7%Oct 5, 2026Pending
MIDVALE INDEMNITY COMPANY0.0%Jan 7, 2027Pending
OLD AMERICAN COUNTY MUTUAL FIRE INSURANCE COMPANY+0.4%Oct 1, 2026Pending
QUALITAS INSURANCE COMPANY+17.9%Oct 15, 2026Pending
SENTINEL INSURANCE COMPANY, LTD.0.0%Oct 1, 2026Approved
AMERICAN FAMILY CONNECT PROPERTY AND CASUALTY INSURANCE COMPANY0.0%Jan 15, 2027Pending
HALLMARK COUNTY MUTUAL INSURANCE COMPANY+3.1%Sep 28, 2026Pending
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
HOME STATE COUNTY MUTUAL INSURANCE COMPANY0.0%Sep 29, 2026Approved
Show the other 457 filings

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